Introduction to the 2011 Symposium Issue of JRI on Mlcroinsurance

Craig Churchill; Richard D. Phillips; Dirk Reinhard

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Introduction to the 2011 Symposium Issue of JRI on Mlcroinsurance

机译：JRI关于微保险的2011年专题讨论会简介

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Individuals, households, and businesses in developed countries take for granted access to the wide variety of products and services offered by modern banking and insurance industries. Unfortunately, the ability of world's urban and rural poor to access these same services has historically been limited. As a result, low-income households often have inadequate opportunity to finance a business, few formal options to save money, and insurance is often unavailable that leaves them with no alternative but to sell productive assets or to radically reduce consumption to finance loss shocks. Research has shown this inability to save, borrow, and insure leads to a cycle of poverty that is difficult to leave and even more difficult to leave permanently.

机译：发达国家的个人，家庭和企业理所当然地享有现代银行业和保险业提供的各种产品和服务。不幸的是，世界上城市和农村穷人获得这些服务的能力在历史上一直受到限制。结果，低收入家庭通常没有足够的机会为企业提供资金，很少有正式的选择来省钱，而且保险往往不可用，这使他们别无选择，只能出售生产性资产或从根本上减少消费以资助损失冲击。研究表明，这种无力的储蓄，借贷和保险导致贫困的循环，难以摆脱，甚至更加难以永久消除。

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《The journal of risk and insurance》 |2011年第1期|p.1-5|共5页
作者
Craig Churchill; Richard D. Phillips; Dirk Reinhard;
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International Labour Organization Geneva, Switzerland;

Georgia State University Atlanta, GA, USA;

Munich Re Foundation Munich, Germany;

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Introduction to the 2011 Symposium Issue of JRI on Mlcroinsurance

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